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thxs for info on disability coverage. i am slowly moving towards the eventual process of involving my employer and trying to convince the insurance company of my disability, that is , not being able to do the job i am trained and paid for. would appreciate anything you could add re your insurance company and their , what sounds like , initial rejection of your claim. i'm extremely nervous about this situation since my employment contract does not provide any health coverage so i'll have to go on the open market. EXPENSIVE. thxs for your response in advance. John 55/dx 1.5 yrs